Compare All Policies for Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

Squaremouth offers 3 policies from Berkshire Hathaway Travel Protection. Below, you can compare all 3 policies and review each policy’s certificate.

Provider & Policy	ExactCare Certificate	ExactCare Value Certificate	LuxuryCare Certificate

AM Best Rating	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 04/09/2025 Verify this rating at www.ambest.com	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 04/09/2025 Verify this rating at www.ambest.com	Underwritten by Berkshire Hathaway Specialty Insurance Company AM Best's Rating of A++ (Superior) Effective as of: 04/09/2025 Verify this rating at www.ambest.com
Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee

Cancel for Covid-19 Sickness	Included in Trip Cancellation & Interruption	Included in Trip Cancellation & Interruption	Included in Trip Cancellation & Interruption
Trip Cancellation	100% of the trip cost	100% of the trip cost	100% of the trip cost
Trip Interruption	150% of the trip cost	100% of the trip cost	150% of the trip cost
Hurricane & Weather	Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named	Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named	Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named
Terrorism	Covered for foreign and domestic	Covered for foreign and domestic	Covered for foreign and domestic
Financial Default	Covered after 14 day wait if purchased within 15 days of trip deposit	Covered after 14 day wait if purchased within 15 days of trip deposit	Covered after 14 day wait if purchased within 15 days of trip deposit
Employment Layoff	Covered If employed for 1 continuous year	Covered If employed for 1 continuous year	Covered If employed for 1 continuous year
Cancel For Medical Reasons	Included in Trip Cancellation and Trip Interruption	Included in Trip Cancellation and Trip Interruption	Included in Trip Cancellation and Trip Interruption
Cancel For Work Reasons	Included in Trip Cancellation and Trip Interruption	No coverage	Included in Trip Cancellation and Trip Interruption
Cancel For Any Reason	No coverage This benefit is separate from Trip Cancellation	Unavailable	Optional coverage This benefit is separate from Trip Cancellation

Medical Coverage for Covid-19	Included in Emergency Medical	Included in Emergency Medical	Included in Emergency Medical
Emergency Medical	$25,000 per person Primary coverage	$15,000 per person Secondary coverage	$100,000 per person Primary coverage
Pre-Existing Condition	Covered if purchased within 15 days of trip deposit	Covered if purchased within 15 days of trip deposit	Covered if purchased within 15 days of trip deposit
Medical Deductible	No Medical Deductible	No Medical Deductible	No Medical Deductible

Medical Evacuation & Repatriation	$500,000 per person	$150,000 per person	$1,000,000 per person

Extension Of Coverage	Coverage can extend up to 7 days Coverage for medical quarantine included	Coverage can extend up to 7 days Coverage for medical quarantine included	Coverage can extend up to 7 days Coverage for medical quarantine included
Travel Delay	$1,000 per person $200 daily limit Covered after 5 hour delay	$500 per person $100 daily limit Covered after 12 hour delay	$2,000 per person $200 daily limit Covered after 5 hour delay
Baggage Delay	$200 per person Covered after 24 hour delay	$200 per person Covered after 24 hour delay	$200 fixed per person Covered after 12 hour delay
Baggage & Personal Items Loss	$1,000 per person $500 first item limit $250 subsequent items limit $500 specific items limit	$750 per person $500 first item limit $250 subsequent items limit $500 specific items limit $50 deductible	$2,500 per person $500 first item limit $250 subsequent items limit $500 specific items limit
Missed Connection	$500 per person Covered after 3 hour delay	No coverage	$500 per person Covered after 3 hour delay

24 Hour AD&D	$10,000 per person	No coverage	$25,000 per person
Flight Only AD&D	$50,000 per person	$25,000 per person	No coverage

Sports & Activities	Covered Limitations apply	Covered Limitations apply	Covered Limitations apply
Sports Equipment Loss	Included in Baggage & Personal Items Loss	Included in Baggage & Personal Items Loss	Included in Baggage & Personal Items Loss
Sports Equipment Delay	No coverage	No coverage	$500 per person
Sports Fees	Included in Cancellation & Interruption	Included in Cancellation & Interruption	Included in Cancellation & Interruption

Rental Car Damage	Optional coverage	Optional coverage	Optional coverage
Money Back Guarantee	Free look up to 15 days after purchase	Free look up to 15 days after purchase	Free look up to 15 days after purchase
24 Hour Assistance Service	24 hour assistance provided	24 hour assistance provided	24 hour assistance provided
Additional Benefits	Concierge Services Coverage	Concierge Services Coverage	Concierge Services Coverage

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